Archive | July 2, 2017

How To Get Medical Insurance For A Surrogate Mother

Getting surrogate insurance coverage, that is, medical insurance to cover the surrogate pregnancy, can be tricky. There are a few different options for obtaining practical surrogacy insurance, depending on the situation of the surrogate mother and intended parents.

First, if at all possible, plan to use the surrogate mother’s existing health insurance policy, probably thorough her employer or her husband’s. Most health insurance policies will cover a surrogate mother, as their own insured, while she is pregnant. It is frankly none of the insurance company’s business how she got pregnant!

But some insurance companies are going out of their way to prevent surrogate motherhood. Take a copy of the surrogate’s insurance benefits booklet to your surrogacy attorney to verify if you can use this policy.

If that doesn’t work, there are a few more ways to obtain surrogate insurance coverage. The easiest, and least expensive at this point is to purchase a regular individual plan from a local insurance agency. Watch, again, for exclusions with surrogate motherhood. Also, sometimes these plans come with a 6-12 month waiting period before they will pay for pregnancy.

It probably should be mentioned that the insurance policy an intended parent carries, most likely through their employment, will not cover the pregnancy of the surrogate mother, regardless of the fact that it is their biological child. The surrogate mother is not the insured party.

There are some surrogacy insurance policies specifically designed for surrogate mothers. These policies really only insure a worst case scenario event, cost thousands to purchase, and come with deductibles in the $5,000-10,000 range. Some intended parents choose to add this sort of policy onto an existing surrogate insurance coverage.

But what happens when a surrogate mother and her intended parents believe that they are covered, get pregnant, and then find out there was an error and her insurance company refuses to cover the pregnancy? Or what if she loses the coverage halfway through the surrogate pregnancy?

There are not too many private insurance companies out there willing to insure a preexisting condition, such as an already pregnant woman. (And if you find one, please let me know!) The options are few in this situation. The intended parents can either pay for the rest of the medical bills in cash, hopefully negotiating a better rate directly with hospitals and doctor’s offices, or they can purchase a discount medical card.

A discount medical card will save the intended parents some considerable money, but it is not the same as having actual surrogate insurance coverage. Still, it’s a terrific option for those in this sort of sticky situation, and can be obtained after the surrogate mother is already pregnant.

Your Computer Hardware What Metals Might It Contain

When thinking about a computer you might think that there is nothing really to it; a bunch of hardware coupled with software that allows you to surf the web in a timely manner depending on the quality of the hardware its composed of, as well as the service that is provided by your internet service provider. What you may not know is what exactly is your computer hardware composed of and what metals it may contain? This question will be answered for you in full via the article written below.

One of the key components of a computer is the computer chip. These chips most commonly include metals such as aluminum, arsenic, palladium, antimony, barium, beryllium, selenium silver, chromium, manganese, cadmium, copper, cobalt, gold, gallium, iron, lead, mercury, platinum, and zinc. So as you can see just the makeup of the microchip itself is complex and thats only listing the metals, not the other materials required such as various plastics.

As computers become obsolete its very important to note that they contain lots of recoverable and recyclable metals from their wires and circuit boards. The metals aluminum, copper, gold, platinum and silver are of the most importance when it comes to harvesting old computers. The older the computer the more of these metals that are involved, as time progresses and newer computers are made they try to limit the amount of these precious metals because of the cost involved without affecting the computers performance, with time this number is sure to decrease further and with the size of computers as well as laptops getting thinner and smaller its inevitable that they will eventually require a very small amount of these precious metals anymore.

So now as youre surfing online checking out the latest sites, remember there is more to your computer then just a plastic shell, it contains a lot of worth even if its not in working condition, and dont simply throw it away and get a new one, use it as an opportunity to reintroduce these metals back into circulation and donate it to a recycling facility. After all recycling helps to reduce our carbon footprint on the world, and by simply junking your computer instead that increases it as the refuse contains deleterious elements such as arsenic, mercury and who can forget sulfur, which will end up in the air we breathe.